SummitCARD

Summit Financial

Reach higher with Summit Card.

Three cards, one standard of service. Cashback, travel rewards, and a card servicing assistant that's here 24/7.

Explore cards

Look for the Chat with Ale launcher in the corner — ask a question anytime.

Three cards. Pick your altitude.

Every Summit Card includes our core protections. Each tier adds more.

Summit Everyday

$0 annual fee

  • 1% cashback on every purchase, no categories to track
  • 0% intro APR on purchases for the first 12 billing cycles, then 19.99%–28.99% variable
  • Free monthly FICO score, contactless & mobile wallet, instant card lock
  • 3% foreign transaction fee

Summit Rewards

$95 annual fee

  • 3x points on dining & groceries, 2x on gas & transit, 1x everywhere else
  • 40,000-point welcome bonus after $3,000 in purchases in the first 90 days
  • Points worth 1¢ each as cashback or statement credit
  • Cell-phone protection, purchase protection, extended warranty
  • 3% foreign transaction fee
Premium

Summit Reserve

$550 annual fee

  • 5x points on travel booked through the Summit Travel portal, 3x on dining, 1x everywhere else
  • 75,000-point welcome bonus after $5,000 in purchases in the first 90 days
  • Points worth 1.5¢ each toward travel through the portal
  • $300 annual travel credit, Summit Lounge airport access, Global Entry/TSA PreCheck credit
  • No foreign transaction fee

Every Summit Card is built to protect you.

  • $0 fraud liability

    You're not on the hook for unauthorized charges you report promptly.

  • 24/7 fraud monitoring

    Real-time SMS alerts the moment something looks off.

  • Instant card lock

    Lock or unlock in the app or by phone. A card blocked for a security reason is reviewed by a specialist before it's restored.

  • EMV chip & contactless

    Tap-to-pay and chip security everywhere you shop.

  • Freeze for free

    No cost, ever, to freeze a lost or stolen card.

Meet Ale

Your servicing assistant, on call 24/7.

Have a question about your account, a charge, your rewards, or a policy? Ale, our servicing assistant, can help right now — securely. Just open the chat.

Ale verifies your identity before sharing any account details, so your information stays yours.